BlastPoint's Credit Union Scorecard
PATENT AND TRADEMARK OFFICE
Charter #4936 · VA
PATENT AND TRADEMARK OFFICE has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.44% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 1.19% above tier average
- - Member decline: -3.9% YoY
- - Net Worth Ratio: Bottom 2.0% in tier
- - Indirect Auto Concentration (%): Bottom 3.7% in tier
- - Net Charge-Off Rate: Bottom 6.1% in tier
- - Loan Growth Rate: Bottom 6.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,745
-3.9% YoY-2.2% QoQ
|
+68 |
2,676
+1.6% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
64% |
| Assets |
$40.6M
+0.1% YoY+0.8% QoQ
|
+$10.4M |
$30.2M
+1.3% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
70% |
| Loans |
$19.0M
-19.7% YoY-8.1% QoQ
|
+$3.7M |
$15.3M
-2.0% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
69% |
| Deposits |
$37.8M
-0.1% YoY+1.2% QoQ
|
+$12.0M |
$25.8M
+0.7% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
73% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.6%
-1.4% YoY+0.7% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
49% |
| NIM |
3.5%
+1.1% YoY-3.9% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
38% |
| Efficiency Ratio |
84.0%
-1.3% YoY-0.3% QoQ
|
-6.6% |
90.6%
+6.5% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
56% |
| Delinquency Rate |
2.7%
+58.3% YoY-24.1% QoQ
|
+1.2 |
1.5%
+3.8% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 13.2% in tier |
| Loan To Share |
50.3%
-19.7% YoY-9.2% QoQ
|
-8.2% |
58.5%
-3.0% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
37% |
| AMR |
$20,687
-4.0% YoY+0.2% QoQ
|
+$6K |
$14,884
-1.7% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
81% |
| CD Concentration |
1.3%
-0.4% YoY+7.0% QoQ
|
-22.9% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % |
30.0%
-1.0% YoY+0.0% QoQ
|
+16.2% | 13.8% | 9.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)